Improved insulation materials and techniques for walls and windows have made it more affordable to heat and cool homes with the changing seasons, but there are also house plans that can help optimize comfort in the home while lessening the blow to your wallet. Look for ENERGY STAR/Green house plans offered by companies like The House Designers to ensure you build the most energy-efficient home for your location. Choosing a design with a number of well-placed windows that can be used to create cooling cross ventilation will reduce the need for air conditioning in warmer locales, while a compact plan that minimizes the external surface area to volume ratio—think saltbox rather than sprawling ranch—will conserve heat during harsh winters. A little planning at the beginning can go a long way toward reducing bills in the future.